Mostly the Credit card companies always love to issue premium “gold,” “platinum” or “black” cards, as the elite cardholders rack up big bills on their credit cards.
Here are the samples of some of the most exclusive credit cards which are hardest-to-get and offering the biggest benefits to their cardholder.
1. American Express Centurion
Card’s Annual Fee: The annual fees of this card are $2,500. In addition to this an initiation fee of $5,000.
Requirements of the card: Cardholder has to spend $250,000 minimum.
Frequently it is regarded as the most important one in its category, there are many benefits offered by the “black card“. With it you can enjoy 24-hour concierge service, at hotels room upgrades is offered by it and it also gives you a membership to the company’s “By Invitation Only” program, this membership provides you an access to sporting, culinary and cultural events, including New York Fashion Week.
Card’s Annual Fee: Its annual fee is $295. 
Requirements of the card: A cardholder must have at least $200,000 in assets with Bank of America.
It is first high-end credit card launched in 2007 by Bank of America. It provides customers with concierge service; it gives cash-back rewards, it provides comprehensive identity-theft protection, it also offers recovery services, in addition to this it gives an access to more than 500 airport lounges worldwide.
3. Coutts World Card
Card’s Annual Fee: Its annual fees is $500 but if $100,000 is charged to your account over one year then this fees could be waived.
Requirements of the card: This card is only available to Coutts clients who have got at least $1 million in the bank.
As Coutts is the private banking arm of the (RBS) Royal Bank of Scotland, so it offers its cardholders travel insurance, it also provides 24-hour concierge service, it gives Priority Pass membership and also offers purchase insurance.
4. HHonors Diamond VIP Surpass from Hilton/American Express
Card’s Annual Fee: The annual fee of this card is $75
Requirements of the card: A card holder must spend $40,000 minimum
This card is Ideal for those who travel frequently, this card gives rewards of with nine points to its members on the Hilton loyalty program for every $1 which they spent at Hilton hotels, and it provides free access to more than 500 airport lounges worldwide. It also gives room upgrades and its benefits also include access to private lounges within the hotels.
5. Sotheby’s World Elite MasterCard
Card’s Annual Fee: The annual fees of this card is $395
Requirements of the card: The per year earning of a cardholder must be $250,000 and he should have over $2million in investable assets.
It is especially designed for art collectors and fans, its benefits consists of 24-hour concierge service, it gives complimentary business-class companion international air tickets on certain flights, it provides upgrades from economy to business class for international air travel, it gives global airport lounge access, it offers discounted prices in Sotheby’s catalogs and also gives a free admission to top museums.
6. Visa Black Card
Card’s Annual Fee: It has annual fees of $495
Requirements of the card: There are no spending minimum targets, but its membership is limited to only 1% of the US population
It has been Launched in 2008, we can say that it is a Visa’s answer to Amex’s Centurion. Its benefits are also similar i.e. it provides 24-hour concierge service, it gives Priority Pass membership and it offers 1% cash back on all purchases without a minimum spending.
Wish I could afford one of these cards!
These cards are like getting a ticket to go to the moon for the fun of it.
If I had over 2 million dollars in the bank,(sorry,WHEN I get my 2 million),I wouldn’t need a credit card as my name alone would be enough!
I’d always be with my accountant,and she’d sort out everything before I even walked through the door.
But the idea of a 24 hour concierge service is wonderful!